| Metric | Metropolitan Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.5% | +4.4% | -9.9 pts |
| Deposit growth (YoY) | -4.6% | +4.0% | -8.5 pts |
| Loan growth (YoY) | -0.1% | +5.6% | -5.7 pts |
| ROA | 0.64% | 1.24% | -0.6 pts |
| ROE | 5.0% | 11.9% | -6.9 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $230.2M | $194.7M | $185.2M | $30.2M | $746K | 0.64% | 3.85% | 2.31% |
| Q1 2026 | $231.8M | $196.2M | $180.6M | $30.2M | $349K | 0.60% | 3.83% | 2.88% |
| Q4 2025 | $234.2M | $195.8M | $182.7M | $29.9M | $1.5M | 0.64% | 3.80% | 2.85% |
| Q3 2025 | $238.2M | $200.2M | $187.2M | $29.5M | $1.1M | 0.62% | 3.72% | 2.12% |
| Q2 2025 | $243.7M | $204.0M | $185.4M | $29.2M | $716K | 0.59% | 3.67% | 1.43% |
| Q1 2025 | $243.2M | $200.9M | $194.8M | $28.9M | $353K | 0.59% | 3.62% | 1.72% |
| Q4 2024 | $236.7M | $194.6M | $192.1M | $28.6M | $1.8M | 0.77% | 3.53% | 1.77% |
| Q3 2024 | $239.4M | $198.1M | $192.7M | $27.6M | $797K | 0.46% | 3.49% | 1.63% |
Loan mix (Q2 2026): real estate $182.0M · commercial $5.6M · consumer $970K · securities $4.5M
| Ratio | Metropolitan Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.64% | 1.24% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 11.9% | 14th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.85% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 76.8% | 62.9% | 81st |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Metropolitan Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Metropolitan Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Metropolitan Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Metropolitan Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Metropolitan Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
4 branches in 3 counties across 1 state (+0 vs 2025) · $194.7M branch deposits. Biggest market: Alameda, CA, ranked 43rd with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Alameda, CA | 2 | $124.8M | 0.16% | 43rd |
| San Francisco, CA | 1 | $43.6M | 0.01% | 48th |
| Santa Clara, CA | 1 | $26.3M | 0.01% | 60th |
California: 262nd with 0.01% · San Francisco-Oakland-Fremont metro: 71st, 0.03% · San Jose-Sunnyvale-Santa Clara metro: 61st, 0.01% ·
Branch count: 2022 4 · 2023 4 · 2024 4 · 2025 4 · 2026 4
Spends 1.7× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).